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According to Genworth&rsquo;s 2018&nbsp;<a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" rel="noopener noreferrer" target="_blank">Cost of Care study</a>, the average monthly cost for assisted living is substantially more affordable in Modesto ($3,200) than it is on a national scale ($4,000). Modesto&rsquo;s monthly costs also compare favorably to the California state average ($4,500), which exceeds the city&rsquo;s median by more than $1,000. Cities such as Napa ($5,425), San Francisco ($5,500) and Santa Rosa ($5,500) are above the state-wide average. While facilities in the Los Angeles and Bay Area regions tend to be expensive, facilities outside the major metros can be affordable. Cities with low monthly costs include Bakersfield ($3,150), Riverside ($3,500) and Stockton ($3,500).

Assisted Living Costs in Modesto

Cost of Assisted Living Comparison Chart

When seniors devise their long-term care plan, they should consider the type of care they need. This factor influences the cost of care more than any other, and California is no exception. In Modesto, for example, the monthly costs of home care ($4,576) exceed the costs of assisted living ($3,200) by more than $1,300 per month. For seniors with a limited budget or extensive needs, the low costs of assisted living may win out over the comforts of home care. Nursing home care is far and away the most expensive care type in the city, with costs nearly triple that of assisted living. Cost of Homemaker/Home Health Aide Comparison Chart 
<li>Assisted living: $3,200</li>
<li>Homemaker services: $4,576</li>
<li>Home health aide: $4,576</li>
<li>Adult day health: $1,517</li>
<li>Nursing home care (semiprivate room): $8,882</li>

Care Cost Comparison

Cost of Homemaker/Home Health Aide Comparison Chart

Financial Assistance for Assisted Living in Modesto

Assisted Living Waiver 
 
The standard Medi-Cal program does not cover the costs of assisted living facilities, often referred to in California as Residential Care Facilities for the Elderly. In the 2000s, the California Department of Health Care Services established the&nbsp;<a href="https://www.dhcs.ca.gov/services/ltc/pages/assistedlivingwaiver.aspx" rel="noopener noreferrer" target="_blank">Assisted Living Waiver</a>&nbsp;pilot program to redress this situation. The ALW started in three counties and has since expanded to include 15 counties across California, spanning from San Diego to Sonoma. Unfortunately, the ALW has not yet expanded into Stanislaus County, so seniors cannot use the ALW to finance the costs of assisted living facilities in Modesto. However, Modesto seniors can still apply to the program if they&rsquo;re willing to move to a facility in one of the approved counties. 
 
The ALW seeks to give seniors with significant health needs access to community-like settings. To meet the eligibility requirements, seniors first need to qualify for full-scope Medi-Cal &mdash; seniors with share-of-cost coverage are not eligible for ALW. Seniors must also demonstrate that they require the level of care provided by a nursing home. Medi-Cal Care Coordination Agencies oversee the approval process. A registered nurse assesses every applicant&rsquo;s health needs. Seniors enrolled in the ALW program have access to three waiver benefits: assisted living services, care coordination and nursing facility transition care coordination. 
 
Supplemental Security Income 
 
Seniors who qualify for Medi-Cal may also be eligible for California&rsquo;s&nbsp;<a href="https://ca.db101.org/ca/programs/income_support/ssi/program.htm" rel="noopener noreferrer" target="_blank">Supplemental Security Income</a>, which provides low-resource seniors with a guaranteed monthly income. Seniors who receive SSI are automatically enrolled in Medi-Cal. 
 
California&rsquo;s SSI program offers a special rate known as the Non-Medical Out-of-Home Care Rate. The NMOHC stipulation provides a larger monthly income to seniors living in an out-of-home facility, including assisted living facilities. This helps seniors fund the monthly costs of their preferred out-of-home care treatment.

Other Financial Assistance Programs for Assisted Living

<h4>The average cost of assisted living in the city is $3,200 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on {enhancedSearch.regionCount} {tensing(Assisted Living Community | Assisted Living Communities | {enhancedSearch.regionCount})}in Modesto and several in surrounding areas.</h4><ul><li>Assisted living: $3,200</li><li>Nursing home semiprivate room: $8,882</li><li>In-home care: $4,576</li><li>Adult day health services: $1,517</li></ul>

Assisted Living in Modesto, CA

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Assisted Living Articles and Resources

California&rsquo;s Medicaid program,&nbsp;<a href="https://www.benefits.gov/benefit/1620" rel="noopener noreferrer" target="_blank">Medi-Cal</a>, provides low-income residents with comprehensive health coverage. To qualify for the Medi-Cal program, seniors must not exceed certain income limitations. For individual seniors, the maximum income level is $16,146 per year. For seniors living in two-person households, the maximum income is $21,892. Potential applicants over the age of 65 must also be currently residing in California and be a U.S. citizen, permanent resident or legal alien. Seniors who are SSI recipients or enrolled in a state refugee program automatically qualify for Medi-Cal. 
 
If seniors qualify for Medi-Cal, they receive access to a variety of outpatient, emergency, hospital, mental health, prescription and rehabilitative&nbsp;<a href="https://www.dhcs.ca.gov/services/medi-cal/Documents/Benefits_Chart.pdf" rel="noopener noreferrer" target="_blank">services</a>. Medi-Cal also provides dental and vision services, including dentures, dental implants and routine eye exams. While the program covers some forms of long-term care, such as skilled nursing facility services and personal care services, it does not include assisted living facilities. Most California seniors who reside in assisted living facilities pay their costs out of pocket. The few financial assistance programs will be discussed in greater detail below. 
 
Seniors who don&rsquo;t meet the income requirements for Medi-Cal may be able to receive benefits via the share-of-cost program. When enrolled in this program, seniors incur a monthly shared cost of health care expenses before they receive financial assistance from Medi-Cal. 
 
For more information about the Medi-Cal program and its benefits, seniors can call (209) 558-2500.

Medicaid in California

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St. Thomas Retirement Center and Assisted Living

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Assisted Living Resources in Modesto

The Stanislaus County Department of Aging and Veterans Services offers home and community-based services to the local senior population. At the local office, seniors can find resources about California&rsquo;s Medicaid programs and Modesto&rsquo;s nonprofit agencies. The office can also help veterans obtain health and housing benefits.

Aging and Veterans Services

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An explanation of retirement living costs. Visit to learn more about finding the right retirement community or to find a retirement community near you.

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An article defining Activities of Daily Living. Learn more about Senior Care by browsing our library of insightful articles or find senior care using our comprehensive directory.

Learn about activities of daily living, how ADLs are assessed and what the results can mean if you&#39;re considering long-term care for yourself or a loved one.

A brief overview of veterans benefits, what they offer, and how to learn more about them.

Some veteran benefits can help with assisted living costs. Discover which ones can, how to apply and how to find the ideal assisted living community for your loved one.

Veterans Benefits: A Brief Overview

Veterans Benefits

Learn more about the pros and cons of buying long-term insurance and how to use it to pay for senior care.

Learn about long-term care insurance for seniors, what services are covered, who is eligible, its benefits, how to sign up, and viable alternatives to this policy.

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An article explaining what PACE Programs are. Learn more about PACE Programs or search our nationwide directory to find home care near you.

The Program of All-Inclusive Care for the Elderly (PACE) combines all the services offered by Medicare and Medicaid. Learn more about the program, eligibility, and how to apply for PACE.

PACE Programs: Programs of All-Inclusive Care for the Elderly

As the population ages and Baby Boomers face the realities of paying for care for their parents and for themselves, it becomes clear that the biggest hurdle to senior care is paying for it.

Learn about the cost of long-term care and ways you can pay for care, including Medicaid, VA benefits and the PACE program, in this guide for older adults.

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Paying for Long-Term Care: An Overview

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For seniors coping with dementia, one of the greatest frustrations is the inability to do those things they once loved. Activities and hobbies that used to be second nature might start to feel fuzzy or distant. This harsh reality can be discouraging for the person suffering from dementia, as well as the friend or loved one who is trying to engage them.

Learn about the benefits of activities for people with dementia and find a list of dementia-friendly things to do in this comprehensive guide.

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The median cost of nursing homes in Modesto for a single-occupancy apartment is $11,558/month (Genworth - 2021). This monthly cost typically includes rent, utilities, dining, housekeeping and transportation.

Modesto Nursing Homes Cost

There is  nursing home in Modesto, CA and several nursing homes nearby. The average cost of nursing homes in Modesto, CA is $222 per month.

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